In its standard model, CopeCart is a reseller: CopeCart buys your product and resells it to your customer in its own name; with CopeCart Pro (a separate company in Ireland), you sell in your own name. ioumi is a contract and payment platform: you create the offer and contract, your customer signs via e-signature, and payment and invoicing run automatically in your name. Here you'll find an objective look at where the differences lie and what fits whom.
In CopeCart's reseller model, CopeCart is the seller and contracting party, and the invoice comes from CopeCart; you only sell in your own name via CopeCart Pro (CopeCart Pro Ltd., Ireland). With ioumi, you are always the contracting party: offer, contract, invoice, payment and customer portal run under your name and in your branding.
Both can sell standard products through a checkout page: CopeCart as its core, ioumi via payment links. ioumi focuses on individual offers: a contract with your terms, eIDAS e-signature with audit trail, followed by automatic payment collection and invoicing.
Both offer one-time payment, installments or subscription as options in checkout. ioumi can also do a down payment plus balance, mixed forms and individual plans in the contract, due on signature, at contract start, on a set date or triggered manually.
Objectively verifiable criteria, as of August 19, 2026. Sources: CopeCart's public terms and help center, plus the ioumi pricing page (links at the bottom of the page).
| Criterion | ioumi | CopeCart |
|---|---|---|
| You are the seller and contracting party for your customers | Yes | Yes only with CopeCart Pro (separate company, Ireland) |
| Invoice to the customer in your name | Yes | Yes only with CopeCart Pro |
| Individual offers with your own contract terms and T&Cs | Yes | No |
| E-signature with audit trail (eIDAS-compliant) | Yes | No |
| Payment links and checkout for standard products | Yes | Yes |
| Payment plans: one-time payment, installments, subscription | Yes | Yes |
| Down payment plus balance, mixed forms and individual plans in the contract | Yes | No |
| Due dates via trigger: on signature, contract start, a set date or manually | Yes | No |
| Customer portal in your branding | Yes | No |
| Payments go directly into your own wallet, with no platform account in between | Yes | No |
| CRM integration, API and webhooks | Yes | Yes |
| The provider handles VAT and complaints for you | No | Yes in the reseller model |
| Affiliate network and course hosting | No | Yes |
| Monthly base fee | from €0 per month | €0 |
| Transaction fee | from 2.9% + €0.50 depending on plan | 4.9% + €1 in the reseller model, 3.9% + €1 with CopeCart Pro, plus surcharges |
| Payout | weekly, after 7 days | 80% after 14 days, 20% after another 40 days |
Fees are only part of the picture, but one you can check. Here are two typical months based on the public terms (as of August 19, 2026, excluding payment method surcharges and VAT), each with the cheapest ioumi plan:
CopeCart
Reseller model, no monthly base fee
Fees
per month€1,224
CopeCart Pro
Selling in your own name, no monthly base fee
Fees
per month€984
ioumi
Scale plan, the cheapest plan at this volume
Fees
per month€1,019
€205 per month less than CopeCart in the reseller model; at this volume, CopeCart Pro comes in €35 below ioumi.
CopeCart
Reseller model, no monthly base fee
Fees
per month€4,728
CopeCart Pro
Selling in your own name, no monthly base fee
Fees
per month€3,768
ioumi
Scale plan, the cheapest plan at this volume
Fees
per month€3,095
€1,633 per month less than CopeCart in the reseller model, €673 less than CopeCart Pro
Calculated with net amounts. In practice, the percentage fees are charged on the gross amount including VAT, so the payment volume is higher and the difference between the providers is correspondingly larger.
Below roughly €12,000 in monthly volume, CopeCart's reseller model without a base fee is cheaper on paper; above that, ioumi comes in lower with Growth, and from roughly €16,000 with Scale. CopeCart Pro at 3.9% + €1 stays below ioumi Scale up to roughly €28,000 in monthly volume, and ioumi is cheaper above that; the gap grows with volume. What really matters, though, is what you get for it: a contract, e-signature, invoices in your name and a customer relationship that stays with you.
To be fair: CopeCart is a good fit if you sell standardized digital products, courses or tickets without a base fee, want to hand off VAT and complaints, or need an affiliate network with course hosting; CopeCart Pro is a good fit if a checkout in your own name is all you need. ioumi is built for offers that come out of a conversation: coaching, consulting engagements, agency projects and retainers, with a contract, signature and automatic payment in your name.
We go through your offers, payment plans and requirements and figure out together whether ioumi is right for you. 30 minutes, no obligation.
We set up your account alongside CopeCart: importing customer and product data, setting up branding, T&Cs and contract templates, defining payment plans and connecting your CRM.
New deals and payment links run through ioumi, while existing CopeCart payments run out there. We support you personally until everything is up and running.
No. In the reseller model, CopeCart buys your product and resells it to your customer in its own name; CopeCart issues the invoice and is the contracting party. With CopeCart Pro (CopeCart Pro Ltd., Dublin, Irish law), CopeCart also offers a model in which you sell in your own name; individual offers, contracts and e-signatures aren't documented there either. With ioumi, you are always the seller and contracting party. ioumi is the platform behind it: contract, e-signature, payment collection, invoice and customer portal, all in your name.
You do, because you're the seller. That's the price of being the contracting party. ioumi creates invoices automatically with the correct tax details and provides an export for your accounting, but the tax responsibility stays with you. If you only sell standardized digital products to consumers worldwide and want to hand off tax handling, a reseller model like CopeCart's is made for that.
Yes. With ioumi Payment Links, you create products with a payment plan, checkout and automatic invoice, under your brand. For individual offers with a contract, you use ioumi Deals. Both run in one account.
Ongoing CopeCart payments run out there, because CopeCart is the contracting party for those sales. You start new deals and payment links in ioumi. If needed, you can offer existing customers with open installments a new plan in ioumi, which the customer confirms once. We import customer and product data as far as it can be exported. We'll show you exactly how that works in the demo call.
It depends on the volume. CopeCart has no base fee and charges 4.9% + €1 per payment in the reseller model or 3.9% + €1 with CopeCart Pro, plus payment method surcharges and, in the reseller model, a risk-based surcharge. ioumi has a Free plan at 6.9% + €1.50 and plans with a base fee and decreasing fees down to 2.9% + €0.50. Below roughly €12,000 in monthly volume, CopeCart's reseller model is cheaper, and CopeCart Pro up to roughly €28,000; above that, ioumi with Growth or Scale comes in below CopeCart's fees. The sample calculations above show two typical months as of August 19, 2026.
Yes. The systems are independent. You can let existing products run out at CopeCart and handle new offers, contracts and payment links through ioumi.
Information about CopeCart is based on the provider's publicly available documents; a cross in the table means the feature is not provided there. Prices and terms may change, and we review this page regularly. Please report any discrepancies to hallo@ioumi.com and we'll correct them promptly. The provider's current terms always take precedence.
CopeCart is a trademark of CopeCart GmbH; CopeCart Pro is offered by CopeCart Pro Ltd. (Ireland). It is named here for an objective comparison only; there is no affiliation between ioumi and CopeCart. More comparisons: Digistore24 alternative, ablefy alternative, all comparisons.
With ioumi, you take offers, contracts and payments to a new level: automated, professional and easy to understand for you and your customers. Let us show you in a personal demo call.